text:
June 23, 2007
Do you rent or own?
Posted by blogger at 6/23/2007
106 comments:
- Roccman said...
.I rent from the bank
- June 23, 2007 8:48 PM
Renter here in the south Bay of Los Angeles, we pay 2200 per month in a older high end condo high rise on the beach, 1200 sq ft 2 bd 2.5 bth 9th floor 2 level penthouse style unit, ocean view from every room. Downside no laundry hookups, pay laundry next door. The neighbors down stairs just paid, get this $1.3 million. WHY?? Talk about throwing money down the drain.
- June 23, 2007 8:50 PM
Still renting. Indefinitely. Drove past some behomoth estate houses today and, though splendidly ostentatious, I can't say I felt a envious. Simply took a nice stroll around the lake, the same stroll people in that high-income high-consumption bracket might take. Despite perfect weather, I had the trails all to myself. Surely those Lords of the Manor are not stuck to the riding mower?
- June 23, 2007 9:06 PM
- Paul E. Math said...
I rent from a landlord, not the bank. I'm not rich, I don't make a lot of money. But because I rent from a landlord and not the bank I can have a lot of other stuff.
Because I rent from a landlord I can afford a lofted apartment with 2-story windows in my living room overlooking a brook, 10 minutes from Harvard square, 20 minutes from Fenway park and downtown Boston.
Because I rent from a landlord I can put 20% of my gross income into my 401k (international funds, commodity funds). I have another stash of fun money I use for non-retirement investments.
Because I rent I can afford to drive a 2006 audi a4. Sure, it's no bentley but, for me, it's pretty nice.
Because I rent from a landlord I can go skiing every other weekend in the winter and take a week-long ski trip to the rockies and spend summer long weekends on nantucket or the vineyard or the cape.
Because I rent from a landlord I can afford to wear nothing but designer clothes.
I say this not to brag about how rich and successful I am because, as I mentioned, I'm not very rich nor terribly successful. But you don't have to be rich and successful if you're smart enough to know that real estate right now is for suckers.
Now where is that troll that thinks we all live in basement apartments and drive 12-year-old hyundais?
- June 23, 2007 9:12 PM
1 BR apartment with an office that has the amenities of a condo. 1400/mo. The owner had planned to convert to condos, but that is not likely to happen given the condo glut in the area. Similar ones go $450,000. But rents over the 8 months have been flat. What's the point of buying? Realtwhores really need to answer this question. Neg am? No way. I like saving money, not wasting it!
- June 23, 2007 9:13 PM
- blogger said...
I rent a flat in the heart of Chelsea, London, one of the most expensive (to buy) neighborhoods in the world, for a fraction of the cost of owning
I can move anywhere my business requires, I am not suffering asset depreciation every day, and I'm very glad I did the math in 2005 and figured out that it's the P/E stupid, it will always be the P/E stupid
I take all the money I save renting and plow it into savings and living life
- June 23, 2007 9:16 PM
- Frank R said...
Rent. It's simple math:
$3,500/month for a house that was purchased for $1.2M. Newport Beach CA, 2 miles from the ocean, 2000 sq ft, 3/3.
So, let's see ... $3,500 renting, or $8,000 "owning" plus all the other expenses that go along with it: HOA, insurance, gardeners, property tax, all appliances, repairs .... that stuff all comes with my $3,500.
At my income level as a single person I don't qualify for the mortgage tax break, so take that into account and I'm coming out way, way ahead renting.
I had a funny conversation with an accountant about all the people who see their tax bill who didn't know that the mortgage deduction gets phased out at higher income levels. Oh well, I guess they should have checked for themselves instead of believing the realtwhore.
However this kind of rent makes for a VERY nice home office deduction!
Haha that same accountant explained that when an "owner" takes a home office deduction they have to pay most of it back when they sell the house ... LOL
- June 23, 2007 9:17 PM
I "own",if you can call it that.
- June 23, 2007 9:21 PM
I won a bidding war for a 2/2 cottage in Compton. It cost me $600,000 and I'm a better person than you bitter renters living in your mom's basement crappy apartment.
- June 23, 2007 9:23 PM
I own and wish I rented
- June 23, 2007 9:31 PM
Rent of course....
4 bedroom with heat/gas included at 25% of what it would cost to own the comparable space in the same neighborhood, and that is not including other expenses (taxes, maintenance...etc).
Only suckers bought in the past 7 years. Although I will consider buying after all the suckers have lost their shirts in the next 2 - 3 years with the pile of cash I've been saving ;-)
- June 23, 2007 9:31 PM
I rent but I have to admit that there is a difference between buying in a bubble area and a non-bubble area. I pay $800/mo for a 2/2 with an office near a business area where I work. Unless you put lots of money down or bought 20 years ago, you can't beat that with your PITI. The PITI for all the houses around here is at least $1500/mo. I wouldn't even consider buying a condo.
- June 23, 2007 9:43 PM
I rent. We sold our house in the summer of 2006. We saw the housing peaking and starting to go down. So we sold, and put the money in good CD's at about 6%. And we rent a nice house. We are looking around for a new location. All my friends tell me I was smart because the market has gone down about 20%, and that's if you can find a buyer!
- June 23, 2007 9:49 PM
I just found this blog. I have been sort of following the housing bubble via James Howard Kunstler's blog but I didn't realize until recently how great it is to be renting in the current climate.
I have no choice as I live in San Diego and am priced out of the market, but am happy to be renting a 2 bedroom/1 bath condo in a central location for $1200.
- June 23, 2007 10:01 PM
How many homedebtors/flippers who profitted from the bubble ended up plowing their money right back into RE? It's just like the dotcom bubble. A few people came out super rich and the rest gave back everything and then some. Instead of unused fiber everywhere, we have unused McMansions and condo towers. Bankrupt dotcoms are replaced with bankrupt lenders and builders. What has society gained? Nothing. Are we better off or worse off? Worse.
- June 23, 2007 10:11 PM
I rent a pre-bubble mortgage for 30 years with a 5.375 fixed rate. However, I am hoping to sell my depreciating shithsack to an illegal alien her in SoCal so I can once tak about 200k in the bank and rent a 'new' house for about the same payment I make now and wait for the smoke to clear.
- June 23, 2007 10:16 PM
>>>Now where is that troll that thinks we all live in basement apartments and drive 12-year-old hyundais?<<<
you must be single......
- June 23, 2007 10:19 PM
TO: Owning in Compton. . .very good humour. . .yes, my "basement rental" (on the 16th floor) has a great view of the San Diego Bay, 1200 SF, 2/2 with a pool, workout room, and a 5 minute walk to at least 20 restaurants and shops in Little Italy section. . .rent? $2400 mo. . .the place would sell (if they could find a buyer) for 700K. I sold my place in early 2006, put the money in a tax free Calif money market, and use the proceeds (on 600K) to pay my rent. . .no HOA, no property tax, no depreciation. . .drive a 11 year old Corvette (only put 5000 miles on it last year, as I walk everywhere - and lost 10 pounds). . .life is grand. . .what can I say. . .
- June 23, 2007 10:28 PM
Buy now before interest rates go up
- June 23, 2007 10:42 PM
- June 23, 2007 10:42 PM
My total monthly outlay - mtg, HOA, taxes are less than what I could rent for. I would make a small profit ($200-$400 a month) if used as a rental property. I will own this free and clear w/in 8 years. I am sometimes tempted to cash out and rent, but I don't see how it would make me more money....Not a bitter renter, I am an owner - just not a stupid one.
- June 23, 2007 10:49 PM
Sold at the Top, now rent. The way I calculated it, I now live in a 3BR/3.5BA instead of a 2BR/2BA for the same amount I previously paid in mortgage, taxes etc.
I also figured out that the owner of the place I am now renting is losing at least $22,000 per year in mortgage payments, property taxes and HOA fees for his "investment".
- June 23, 2007 10:58 PM
Renter here in the south Bay of Los Angeles, we pay 2200 per month in a older high end condo high rise on the beach, 1200 sq ft 2 bd 2.5 bth 9th floor 2 level penthouse style unit, ocean view from every room. Downside no laundry hookups, pay laundry next door. The neighbors down stairs just paid, get this $1.3 million. WHY?? Talk about throwing money down the drain.
No offense ANON, but if it doesn't have laundry hookups, it ain't high end. 1.3 million for a condo without your own laundry (neighbors). INSANE.
- June 23, 2007 11:08 PM
- Maison Lunatique said...
Renting since Novermber 2005. Had a nice starter home in a the rougher end of a gentrifying working class neighborhood, but sold it to move to Europe. Being Vancouver it was exorbitantly overpriced for the appalling condition of the house.
I thought the owning a home might make me feel good. However, the cost of owning was just so high that i had little energy and money left over for anything else- like enjoying life.
I rationalised that "at least i owned a home".
Because of the house, i felt that travel, especially to Europe, would never happen. It felt like having a weight on your back. work became drudgery, just to pay the mortgage.
Now i live across the world, rent and my wife and son enjoy a good quality of life.
If you stop caring what other people think, you often act much more sensibly.
- June 23, 2007 11:09 PM
I rent a 4000 sqft house in Carlsbad, been renting for fourteen months. I bought a house in coastal San Diego in 1998 here for 300k, I thought that was expensive, I sold it in April 2006 for 775k. I have the equity in several FDIC joint accounts with less than 200k in them; I hope the government is good for the money, earning 5+%. I moved to Phoenix after the sale to see what it was like there, we left AZ in March of this year and came back to Carlsbad. Our rent in Gilbert, AZ was $1,900.00 for a house valued at 750k, it worked out fine until the bank posted a notice of default on the door and the "owner" put a for sale sign the yard (he had 5 "investments" in foreclosure). We were planning to return to Carlsbad to live for the summer but decided to sign a year lease when we found our current home. Our new rental is worth 1.2m, it must be, because there is another new home going up for sale every week in this two year old community at that price. Our $3k in rent may seem like a lot until your consider the poor land lord's plight, he is paying $1,500.00 a month just in taxes, MelloRoos (additional taxes) and HOA fees. It was funny when we filled out the rental application and our land lord ran our credit report, he asked me five times why in the world we were renting when we could buy, I just smiled.
- June 23, 2007 11:19 PM
I rent a home currently in Atlanta while looking around various areas of town and getting to know the city. Hard to tell what's going on in the market here. Lots of homes for sale, tons of foreclosures. Yet median price is going up and homes are selling. Lots of "sold" signs around. I was hoping prices would be falling but so far no. I have 8 months left on the lease and I'll see what happens then.
If I were to buy the home I'm renting, including the tax deduction on interest the montlhy payment would be about $200 more to own than rent. Unless anything drastic happens in the next 4, 5 months I will start seriously looking for something to buy this winter.
I owned a home in Las Vegas. I sold that house earlier this year. Walked away with a substantial profit after accounting for realtor fees, r/e transfer tax, etc.
I bought in 2003 so I got in fairly early in the boom. I got a 4.25% 5 year ARM. My PITI cost me only $218 more than what I was paying in rent for my apartment before I moved into the home. No helocs or refis along the way so all the appreciation was equity for me.
It took 6 months and 2 price reductions to sell. Final selling price was 89% of origial asking price. Since I sold there has been one other sale in my old subdivison, pretty much the same house as mine and it was sold for $4500 less than mine.
- June 23, 2007 11:26 PM
damn Chrissy had some nice tits
- June 23, 2007 11:35 PM
I "own" a house in the Inland Empire near Los Angeles. My husband and I originally rented in Huntington Beach and in 2000 bought the house we're in now for $190K. I have to laugh because at the time I thought it was just so expensive! At the peak this house was worth about triple that, and now it's probably worth a little over double. I would love to sell this place, pocket the profits and rent again, but my husband actually likes it here. :(
- June 23, 2007 11:35 PM
I own. I paid off my mortgage from flipping houses that I sold off in 2005 - 2006.
I paid off the vehicles and have absolutely no debt, no loans, no credit card balance but I do pay 3625.00 a year in elevated property taxes because the market went wild.
Gated community, 3200 sq ft + basement, 1 acre, custom home in North Glendale, AZ. Pool, Spa, tennis court, 4-car garage, detached 960 sq ft guesthouse.
Ez on Ez off the 101 Loop. 22 minute commute one way to work.
Maxed out 401 contribution plus 24k yearly into qualified GVUL plan at work. Which are all in Money market accounts right now.
IRAs in cash positions or Gold. CMA accounts all in cash positions and gold.
12 Months of income fund for emergency in 2.8% money market account at the credit union.
Multiple 1 year CDs at 5.7%
Waiting with liquidity for the markets to crash so I can buy your home, which you lost because you were stupid and took out IO or Toxic ARM loans. So I can cycle back through flipping houses and make a killing again in the next bubble.
Working full time, 50 hrs a week building wealth and not spending any money at this time.
I would not even contemplate trading my position for renting.
I could care less if my home drops in value, because I plan on living here in comfort, with the ability to remodel or paint as I choose, for a very long time.
I have absolutely no sympathy for people who lose their house because of their own stupidity or end up paying up the ass for loans they could ill afford. You will be the ones who create opportunities for people like me when the bank liquidates your property for pennies on the dollar in the near future.
See you at the auction.
- June 24, 2007 12:09 AM
damn, i had forgotten how good those babes looked back then......
- June 24, 2007 12:19 AM
I own!
Bought condo in Scottsdale at $125,000 in 2001, peaked at $280K in 2005, now sits around $230K. Have it rented for $950/month! My mtg. after refinance to about is $172k is even more than that! Ack!
Then bought in Phoenix in March of this year for $305K (it was a spec that was listed at $370K!) - however more bad news on the horizon when the house around the block that is the same exact sold for $286k.
Should have just rented...argh!
- June 24, 2007 12:41 AM
My girlfriend and I sold our last two houses early last year and now rent. this house is over 2000 sq/ft three car garage with pool. 2,300 a month in Chino Hills Calif. There are three houses on this street on the market for the med 600k. ( not moving )
Do the math!!!!!!!!!!!!!!!!!!!!!!!!1
- June 24, 2007 12:43 AM
Renting a condo in Atlanta from the bank. Market here isn't as out of whack as other places. Was renting a shithole from a land lord for $800/month, with PITI and association fees, the condo works out to $1500/month. However, it is new, has much better finish out than the old apartment, and is in a more walkable area and is convenient to rail transit. Overall, to me, it's worth the money for a nicer place.
- June 24, 2007 12:50 AM
Rent a great house for $1600. Would cost me $3700 in mortgage (not including, insurance. property tax). And with the Case, Shiller Home Price Index showing a decline in my region for the next yr, who would buy??? Besides fools listening to GED realtwhores!
- June 24, 2007 12:55 AM
Three of the nicest people in Hollywood,and they rented, or bought when prices were really low.
- June 24, 2007 1:17 AM
Bought a condo in 2000, a house in 2002, sold the condo in late 2005, paid off the house loan. The condo has since "appreciated" about another 100,000 so maybe I sold too early, then again I made a bunch of cash, no complaints. Things are still going up where I live (north of the US), sometimes I kick myself for missing that 100K but then again I've got a house in a place I like, and I could work at McDonald's and support my family well enough to survive (no debt at all). A lot of people are leveraged to the hilt here, but since things are still going up in Canada "it's all good..."
The bubble is alive and well in BC and Alberta, we'll see how it plays out long term but houses now cost $800,000 for a "cheap" one, same house rents for $2,000 max. There are "million-dollar" condos around here renting for $2500/month, I don't get it.
I've read this and other blogs for a long time, appreciate personal stories, ideas, don't enjoy the gloating (and don't believe a lot of it) or tinfoil hat style "evil real estate empire" smack. If I were choosing between renting or buying today probably I'd rent, but I think there are a surprising number of people out there who bought four to seven years ago and are doing just fine as a result. Not all buyers HELOCed themselves into debt hell.
I'm very curious how Canada will play out; we don't have as many "junk" loans here in general, but we also don't have long-term fixed interest rates (ten years max I think). I was a kid when Calgary went sideways in the early eighties, but I remember it still, parents had a very hard time. I don't think most people do, even those that were older. Place yer bets.
- June 24, 2007 1:17 AM
I work as a construction project manager and I'm on the road most of the time. I rent a townhouse in SE Wyoming for $380/mo., no yard maintenance or other upkeep. It's small, about 950 square feet, but really quite nice. The worst thing about it is that it has no dishwasher. Way better than I need for the week a month I'm there, though. My landlord built the place new in the 60's and takes very good care of it. One of the sweetest deals I've ever run into. Renting saves me a couple of extra thousand a month that I put into my land aquisition fund, for the purchase of a small farm when the time is right. I have a company truck so I don't even own a car right now. There's an Enterprise car rental a few blocks away and they always have a good car for me when I need it, at a fraction of the cost of actually owning. I live frugally in most other respects with just occassional treats. I don't eat out much, and I don't buy crap I don't need. It's nice to have financial security. My downfall is that I like to travel way too much.
- June 24, 2007 1:20 AM
Cashed out of 2 homes last year. Left So Cal forever and I'm not looking back. Took the profits and paid off a modest home on 160 acres in beautiful So Utah. The acreage was purchased years ago at a bargain price. I love being a home and property owner which is not rented from the bank. Many years from now this property will be worth a mint but I plan on staying put and leaving the rest to my kids someday. Lovin' it!
- June 24, 2007 1:46 AM
- Kerriella said...
We actually just bought our house 2 months ago but our area hasn't been affected much by the bubble and we were so tired of renting after a string of bad landlords that we were thrilled to start paying the bank.
We also sat down and figured out how much we could comfortably pay on a mortgage payment, made sure to stay within our price range and took full advantage of our VA loan to get a good rate and no down payment.
We are actually paying less now than what we were for rent.
- June 24, 2007 1:48 AM
- Unknown said...
Renting house with a wall of windows overlooking the bay in Mill Valley, CA for $2000/month. The house across the street is selling for 1.6m.
- June 24, 2007 1:56 AM
San Diego, Ca. Bought in '93, sold in late 2004. I now rent a 1500sqft townhome on a golf course....... how sweet it is!
- June 24, 2007 2:11 AM
I own my house free and clear. Cashed out previous owner for total of $37,000 for my house and 11 acres in the midwest. No debt, can live on $500-month. Rent = ugh.
- June 24, 2007 2:14 AM
I own...kinda I have a 4 bed 2 bath in a small town in northern wi. I added 700 sq feet last year and fixed er up nice but I refinance fixed rate 6.25 and now my mortgage is a whopping 530.25 I have 40% equity on the most recent apparaisal, but I don't really care about that as to rent the same house would cost me about 750.00 In 2005 I sold my big house for 250,000 and bought one for 70 K and fixed it up... No regrets and I can eat good and so can my 5 sons
- June 24, 2007 2:40 AM
Rent 2BR 2BA apt (with a huge private patio) at $1260.00 mo. in Placer County CA. A complex in a very upscale area that has had some of the highest growth in the country the past 10 years.
I figure to buy it with 20% down would be $2600.00 mo in HOA, Mello-Roos, Taxes and Ins.
Plus I have a new 60' x 30' fitness center that the owners built next to the pool. The grounds have as much lawn/landscaped area as it does buildings. It is like living in a park.
I couldn't buy it even if I wanted to.
- June 24, 2007 2:54 AM
Sold just past the top, retired shortly thereafter and moved to a lower cost area. T-Bill interest income, after-tax, on cash cleared covers 89% of the rent on a 3/2. Only other expense is electricity. Will start looking to buy in 2009.
- June 24, 2007 3:01 AM
I rent in the Bay Area. Wife, 3 kids and I have been trying to decide where to buy and settle in the Bay Area just as the bubble exploded. I am a 44 year old professional and most of my family and friends can't understand how I could lack the self esteem such that I won't buy a home.
Bought 5 condos out of state prior to the bubble (1999) and have sold 4 over the past 2 years. Made and saved enough to pay cash for the home I currently rent. Net worth over 2 million.
Just checked Zillow and the home I rent is valued at 800,000. I honestly cannot believe that but that's what it says. I pay 1875 per month in rent. My calculations find that the home I am living in would have to drop to 300,000 for me to buy and be spending the same amount. (That INCLUDES assumed tax saving due to mortgage and property tax deductions but ignores appreciation since I am assuming there won't be any of that for a while)
Anyway, I will pay my capital gains on the condo sales and have dumped it all into index funds as I believe the next temporary bubble will be in the stock market as the Feds try to convince everyone that everything is fine over the next year or two. Then BAM, down the stock market will come once again.
- June 24, 2007 3:20 AM
While I believe prices will continue to drop, I don't see more than a 40% haircut in the end (if that). Meanwhile, rates will go to 9+% and I will lose overall. Now maybe the time to make the leap from renting. I am in a 2/2 in MI and pay about $700/mo. for spanking new apt complex. Wish the sellers would just suck it up and get it done without waiting for the turnaround that will take longer than they are willing to wait anyway.
- June 24, 2007 3:46 AM
My wife and I rent in Brooklyn NY $2300 a month 3000 sqft loft with a wonderful view of Manhattan. We own a software company, have an office in Manhatten. Anyone that buys now is down right stupid. We have a few million in the bank waiting for the prices to go down to normal than buy a brownstone...cash. I feel for the the ones that rent from the bank, and think they own their house..losers...lol
- June 24, 2007 3:59 AM
hey, the tripper was renting too. and what great roomates too. i used to hate it when that schlepping jew , larry came around trying to make time with the babes....
- June 24, 2007 4:03 AM
>>>Cashed out of 2 homes last year. Left So Cal forever and I'm not looking back. Took the profits and paid off a modest home on 160 acres in beautiful So Utah. The acreage was purchased years ago at a bargain price. I love being a home and property owner which is not rented from the bank. Many years from now this property will be worth a mint but I plan on staying put and leaving the rest to my kids someday. Lovin' it!<<<
my kind of guy.....just don't ever say anything bad about the mormons......
- June 24, 2007 4:06 AM
Renter in San Diego, 2500sqft 4br3ba house in a good school district for $2200/month.
Rent 3 houses from the credit union, bought pre-bubble (1992, 1997, 2000), have 15yr fixed mortgages at 5%, net a few hundred a month right now, even after maintenance (roofs, furnaces in a couple of the houses recently). Will own them outright in about 9 years.
your mileage may vary, be careful out there...
- June 24, 2007 4:08 AM
I can't believe there was a mainstream US popular tv hit about a Ménage à trois setup who were renters
- June 24, 2007 4:09 AM
>>>I work as a construction project manager and I'm on the road most of the time. I rent a townhouse in SE Wyoming for $380/mo., no yard maintenance or other upkeep. It's small, about 950 square feet, but really quite nice. The worst thing about it is that it has no dishwasher. Way better than I need for the week a month I'm there, though. My landlord built the place new in the 60's and takes very good care of it. One of the sweetest deals I've ever run into. Renting saves me a couple of extra thousand a month that I put into my land aquisition fund, for the purchase of a small farm when the time is right. I have a company truck so I don't even own a car right now. There's an Enterprise car rental a few blocks away and they always have a good car for me when I need it, at a fraction of the cost of actually owning. I live frugally in most other respects with just occassional treats. I don't eat out much, and I don't buy crap I don't need. It's nice to have financial security. My downfall is that I like to travel way too much.<<<
is your job recession proof? just curious what your opinion is right now?? these are strange days we live in now......one cannot depend on the past to tell him how the future will be.....nor can he plan for retirement in the way that americans have done for a long time now........yesterday is gone forever and it is a new day now..
- June 24, 2007 4:10 AM
Own two homes side by side.
Owning these homes free and clear costs me over $3300 monthly in unearned interest. Owning free and clear is not what you think it is. I could sell them both, rent and save $2200 a month!
We all have our foibles. Mine are these homes and I can afford the loss
- June 24, 2007 4:15 AM
>>>> I can't believe there was a mainstream US popular tv hit about a Ménage à trois setup who were renters
naw....strictly platonic.......
- June 24, 2007 4:17 AM
Rent. I'm a Lazy, unmotivated, underachiever with a Napoleonic complex.
- June 24, 2007 4:19 AM
I found Janet disgusting yet oddly sexy
- June 24, 2007 4:21 AM
RENT in northern suberb of Colorado Springs. 5000+ sqft 6 car garage 1900 a month. 1/2 the houses in the division are for sell. One that was on the market over 2 years finally sold for a 400k loss. 2 others are bank owned. Couldn't beat me to own for at least 10 years.
- June 24, 2007 4:37 AM
I own and have for the last 15 years..I have owned several diffent homes and always stayed within my comfort zone..never using my home as a ATM..sold at the right time and bought at the right time..moved out of Florida 3 weeks ago, priced right and found a buyer..Happy I own and can understand the pros and cons of it...depends on where you are in life, income and need..
- June 24, 2007 5:00 AM
Sold in Mar. '06 a 3000 sq. ft. house (bought in '97) in one of the best Portland, OR West Hills neighborhoods and invested the tax-free windfall at 8-9% annualized (to date) and currently renting a comparable house for ~60% of mortgage cost even after deductions.
Houses in the neighborhood (and in Portland in general) are overvalued versus fundamentals (population, gross state product, income growth) by 45-60%. Downtown condos are overvalued based on fundamentals by 80-120%.
Inventory is up 100% over 5-year average.
Median price is down 7-10% (and 11-12% for comparables).
Houses on market 119 days to sell versus 23 days a year ago.
Sales down 28% yoy versus '06 and down 37% versus '05.
Inventory currently at 11- to 12- month supply.
Realtors are panicking because sellers are being stubborn and refusing so far to reduce list prices in many cases, at least by more than 3-4%.
Also, mid-price mortgagees who would otherwise be buy-up buyers can't sell their houses at list price to have enough to bid for McMansions, due in large part because the low-end buyers no longer can qualify with teaser rates, liar loans, no-down, adjustable, neg-am. loans to move up from starter housing.
The mortgage-equity-withdrawal (MEW) party is over, friends. However, the bankers are desperately trying to push reverse mortgages, but falling house prices and contracting equity will likely mean that this source of credit expansion will be limited.
The best-case return for the vast majority of mortgagees hereafter will be the amount they pay down their mortgages. But, for the vast majority of people who bought in the past 6-7 years with high LTV, in the short run, house price might fall more per year than debt pay down (especially in inflation terms), which, of course, is DEFLATIONARY, resulting in many people realizing that in effect they are renting from their local taxing authority and from their lender, rather than "owning".
Most of my friends think I am an idiot for having sold 15 months ago and rented since, but this bust will likely last until the early to mid-'10s (and perhaps well into the late '10s or '20s in inflation-adjusted terms), so there will be plenty of time for my friends to discover just who the dumb ones are.
Remember the old Wall Street adage: "No one ever went broke selling for a profit."
- June 24, 2007 5:40 AM
I rent a one bedroom apartment in Mountain View, California( Silicon Valley) for $1140 per month which I split 50/50 with my girlfriend. I had originally been thinking about buying a house when either a/ it's 2011 which is when I figure the housing crash should be bottoming out or b/ whenever we reach the point when owning a home is less expensive than renting a home. I'm starting to think that I don't ever want to own a home now. It just seems like a hassle.
- June 24, 2007 5:43 AM
I rent in upstate New York. For $900/month I rent a
* 3 bed/2 bath 1800 sq ft house
* 10 acres of land
* a barn
And no, I don't have to upkeep the 10 acres of land.
The landlord handles that.
- June 24, 2007 5:52 AM
We purchased our home in November of 1999 and sold this Northern California home last June. We are now renting a 3br. 2 1/2 ba. home in Dublin, CA for $2,000 per month. I thought it would be really hard to go back to renting after owning, but it has allowed us to save more money than ever and the equity from our home we sold is diversely invested and earning at least 6%. The home we sold has lost over 6% since we sold it according to Zillow. Very happy to be renting right now and feel the housing market and the economy as a whole is in for some interesting times ahead. Best of luck to everyone.
KIP in CA
- June 24, 2007 5:57 AM
- EconE said...
I rent for about 38% of what it would cost to buy.
And I Bitch...endlessly.
In fact, I will soon be the Co-Bitcher on the 2200life blog here in Seattle. Bitching on behalf of consumers everywhere!
Check it out Keith!
- June 24, 2007 6:00 AM
I think those were real too.
- June 24, 2007 6:13 AM
Just renewed - renting for 3rd year in this small crowded apartment far from the fun part of town. But pleased that my financial life is so simple!
- June 24, 2007 6:21 AM
"I "own" a house in the Inland Empire near Los Angeles."
I also live in the 'IE". I have my house for sale even though I bought pre-bubble. Why? Same reason you mentioned: take the equity and run. Expect a 40-50% haircut in the next 2-5 years in this areas. IE will get hit HARD.
You and I will be safe (FAT equity padding) but I feel for the people that recently bought. Welcome to the Valley of the Dirt People..AKA: Foreclosure Land. That will and IS bringing the values down around here. I hope you like your home and area A LOT. We will be here for a while if we dont sell.
- June 24, 2007 6:55 AM
"Should have just rented...argh!"
No, you should have come to this blog long ago! Dozens of posts with data to show PHX was going down.
Keith, I an thoroughly convinced its over. By the bunch of 'new' posters on your blog, it looks like the general population has caught on. Good sign, this rollercoaster has past the big hump and gaining momentum.
- June 24, 2007 6:59 AM
I am single and own a 550 square foot condo, in a nice building in Manhattan, with a Hudson River view. While I believe prices will fall considerably eventually, two issues deter me from selling now. First, the brokerage fee, transfer taxes and capital gains taxes due on sale would be considerable. Second, finding a comparable apartment now to rent, or later to own should prices correct, is not guaranteed. Manhattan's housing market is notoriously hard to deal with, as rental vacancy rates are 1%, and there is very little for sale property available. If you have a good apartment in Manhattan, you generally keep it whether you rent or own.
- June 24, 2007 7:05 AM
We rent. We sold a nice 4 BR 2.5BA and now rent a 3BR 2.5BA townhouse. With the loss of the interest deduction and the interest on the CD's in the bank, and that interest being taxable, we pretty much break even. We had a low mortgage with plenty of equity. We also save a few more dollars on things that are included with the rent, like landlord-paid associations, garbage pickup, and lawn/gardening bills. It's all about a wash, except for the loss of an unneeded bedroom. We still have a 2-car garage (like before). We're not bitter and we're not in any basement. We have a nice view of the sunset, high on a hill. We are waiting to buy again, but not at these prices. I expect to buy in a few years. I think most sellers are in denial and prices I bubble areas (like here in OC) have just started to come down. I think prices will be lowered when the sellers that really need to sell are forced to lower their price until they have a sale. When banks need to get rid of repo's, I think they will drop their prices. So we're waiting. This is much more slow-going than I originally expected, but maybe that's a good thing. Maybe there'll be less pain and bloodshed this slow way.
- June 24, 2007 7:23 AM
Rent, Costa Mesa, CA. Bike to work. 1550 sqft, with big back yard for the pooch. 2 miles from the beach. 2 car garage. Stones throw to the parks and bike trails. "Recent comp" value of home: $600k. Rent: $1700/mo.
That's pretty hard to beat.
- June 24, 2007 7:34 AM
look at the positive side. at least you're not in denial.
- June 24, 2007 7:51 AM
I live in a nice 2bd 2bath apartment with covered parking, all appliances including laundry. It fronts a very pretty lake in NW Washington State. I can throw a rock from my balcony into the water with ease and go rowing anytime I want. The building is on a 25 acre parcel -- I regularly see deer, herons, osprey, bunnies, beavers, and once, I saw an otter get out and play in the snow. Most of the property is woods and lawn. People practice with their irons all the time. $780/month.
About a half a mile up the street there is a 2bd condo listed for sale at $499,000. The property itself is very small and butts right up to the street. In the same building as that for sale condo, there is a for rent sign for a different 2bd condo -- $1150 per month. Now, the one for sale is a corner unit that is directly facing the beach. The for rent unit may be on the second tier with views of the lake but you'd have to walk an extra fifty feet to get to the water. I'm only guessing on the situation of the units, but even if I'm right, I can't imagine that would amount to such a price differential. Anyway, a random loan calculator says $3000/month at 6% for 30 years to buy.
- June 24, 2007 11:01 AM
Own. Bought in '75, paid off mortgage in '93.
Plain, small red brick 3 bedroom 1 bath. Tile roof. Built in '48.
Taxes and insurance less than $250/month. All utilities and phone average less than $200/month.
90% cash in CDs; 10% in metals.
Downtown Phoenix; four houses from a bus line, 1/4 mile from another.
Life is sweet.
- June 24, 2007 12:46 PM
Damn! That Crissy is one smoke'n hot bitch!!
- June 24, 2007 1:11 PM
From Massachusetts
Bought 900+ sq ft condo in 2 unit association in 98 for 100K. Close to beach and ocean. Well water which was not drinkable and questionable for cooking.
Wanted to sell in 05 but chose to hang in for personal reasons.
Put house on market 6/06 for 349K. No offers. Took off market 12/06.
Back on market 03/07 for 339K. Two offers, settled for 323K. Close to $350 per sg ft.
Now renting beautiful townhouse in gated community with 98% owner occupied close to work.
Stats below for Wife and I
+200 month (hoa)
+250 month (taxes)
+300 month (gas)
+??? Month (wear and tear on autos)
+40 hours month (not driving)
+20 hours month (not working on home)
Just not sure what to with all my new found time and money
- June 24, 2007 1:16 PM
Sigh, I'm emotionally attached to a little cottage by the Gulf of Mexico in Central West Florida. Love at first sight - I bought it as a fixer upper in 2000. At current rate (sometimes I pay more principal) I will payoff in 7 years. The total payments (principal, interest, taxes) are only $175 more than I was paying for renting in a similar yet worse situation (shared w/d in apartment complex, no d/w). I'm only 6 feet above sea level, so a hurricane could wipe me out at any time but I still can't bring myself to part with my postage size piece of paradise. :-)
- June 24, 2007 2:14 PM
- Unknown said...
I own.
just under 1000 a month of mortgage and taxes where comparable rent would be about 1500. Owning isn't bad if the numbers are right,but they are not right now.
We had contemplatred selling and renting but the wife can't stand losing the security of owning our shelter. My opinion is framed more in economic terms that we will hyperinflate and rents may go up after an initial pull back....I'm talking years here.
If you are renting in the southwest you are ingreat shape as I expect that market to be destroyed over the next coule of years and it may not bottom til 2012. I'm in the north east where zoning has made increasing supply difficult and old infrastructure will not tollerate much more development.
- June 24, 2007 3:38 PM
Rent. Cheap.
Sold out in Aug 2006. Sitting on cash (50%)in E-Loan and Emmigrant Direct getting >5%. Other 50% of $ in stock market. 401k is fat.
Zero debt.
- June 24, 2007 4:43 PM
I live in the detatched maids house on my Mommys estate. I work at home and bank much of the money I make. I live within 2 blocks of the Post Office, bank, grocery, etc. I'm thinking of selling my Porsche and one of my Mercedes because I dont have time to drive them all. I flipped a couple houses in the country and am waiting for the colapse.
- June 24, 2007 4:44 PM
I'm currently renting in a supposedly non-bubble area. I'm renting a decent townhouse for $550/mo. I've owned one house before, and really screwed myself with the timing of when I sold it. If I had held it I could have made more money on it, but that's ok.
To buy the same house now would cost me almost double what I sold it for in '04. By 'roughing it' in a rented townhouse, I'm saving easily $1k/mo versus what it would cost me to buy a similar house to what I sold. Prices are coming down now though, so I'll just wait for the right time to buy.
Just to make sure you didn't miss it...housing doubled in three years in this area and the people here claim there's no bubble here. WTF are these people smoking?
- June 24, 2007 5:37 PM
Own. Bought in '75, paid off mortgage in '93.
You must be about 70 years old? Congratulations on learning how to use a computer and the retirement.
- June 24, 2007 6:24 PM
- Frank R said...
I own my house free and clear. Cashed out previous owner for total of $37,000 for my house and 11 acres in the midwest. No debt, can live on $500-month. Rent = ugh.
Congrats on being a true OWNER! My biggest pet peeve is people who are upside down on a 30-yr mortgage, and walk around with a superiority complex calling themselves "homeowners."
Of course these are usually the same people who get a BMW on a 5-yr lease for $199/month.
- June 24, 2007 6:34 PM
Renting in Shoreditch London for £750 a month. Came here from San Francisco, I rented in Bernal Heights from 2004-2006 for 1850, its a great neighborhoods. Met a girl from Portland, Oregon, and am homesick, and disgusted with real estate market in the UK. Have about 100K in the bank, and want to buy, I do like Portland. I travel for software consutling (Oracle). I have never owned a home, and at 38 feel like its way overdue, but sigh, will most likely rent for another year.
- June 24, 2007 6:46 PM
- blogger said...
shoreditch send me an email... we'll grab a pint
- June 24, 2007 6:54 PM
Own a nice little place on acreage in the country and we rent a place in another city when the summer heat hits.
Our country home is cheap, private, pretty. I actually like mowing and gardening. The region never experienced significant appreciation and prices remain stable. I'm paying less than I would to rent.
The city place is small and expensive, but it's a lot of fun.
Home office deduction only has to be reimbursed (in part) if the home sells for over 500k, btw.
- June 24, 2007 7:55 PM
I just realized - all of you on this site are the scumbags that you always complain about!
A large number of you "Cashed out", "Sold at the peak", "banked my millions" and now rent on the sidelines. At the same time you are all hoping for a crash that will destroy peoples lives so that you can "invest" back in the market taking advantage of families out of house and home and make another quick buck.
You talk about how houses are not investment vehicles out of one side of your mouth, and then you do the exact same thing that you berate others about on the website. And then you moan, complain about, and insult real estate people to push the blame on someone else.
I thought I was one of you, but it is obvious that you are self centered money grabbing people. Shame on you - just as much as should be heaped on those bad real estate agents.
if i'm wrong tell me so, but take a fresh look at the posts to this topic, read between the lines and you will see the truth. What are we - profiteering investors in real estate, or a group looking for a fundamental change in real estate around the world?
- June 24, 2007 8:01 PM
Anonymous said...
I just realized - all of you on this site are the scumbags that you always complain about!
A large number of you "Cashed out", "Sold at the peak", "banked my millions" and now rent on the sidelines. At the same time you are all hoping for a crash that will destroy peoples lives so that you can "invest" back in the market taking advantage of families out of house and home and make another quick buck.
You talk about how houses are not investment vehicles out of one side of your mouth, and then you do the exact same thing that you berate others about on the website. And then you moan, complain about, and insult real estate people to push the blame on someone else.
I thought I was one of you, but it is obvious that you are self centered money grabbing people. Shame on you - just as much as should be heaped on those bad real estate agents.
if i'm wrong tell me so, but take a fresh look at the posts to this topic, read between the lines and you will see the truth. What are we - profiteering investors in real estate, or a group looking for a fundamental change in real estate around the world
Yep ,That about covers it.Popcorn?
- June 24, 2007 8:22 PM
To me, this site is about laughing at the morons who bought overpriced homes and are now struggling to make ends meet. It is about the clueless fliptards who bought overpriced shacks and tried to sell them for a profit. It is about laughing at the greater fools who were financially destroyed. It is about the morons who "won" bidding wars. It is about laughing at the realtrolls and mortgage brokebacks. It is about laughing at the lenders who went bankrupt due to their own greed.
If somebody bought a fairly priced home and did not "liberate" all their equity to spend on junk, then that person shouldn't be worried or bothered by HP.
- June 24, 2007 8:55 PM
Anon 7:01 & Shakster,
I sold my townhouse, and everything I had in 2000 and bought 20% of a business...and went $400,000 in debt.
So, I didn't sell at the top!
- June 24, 2007 9:23 PM
- EconE said...
I just realized - all of you on this site are the scumbags that you always complain about!
A large number of you "Cashed out", "Sold at the peak", "banked my millions" and now rent on the sidelines. At the same time you are all hoping for a crash that will destroy peoples lives so that you can "invest" back in the market taking advantage of families out of house and home and make another quick buck.
You talk about how houses are not investment vehicles out of one side of your mouth, and then you do the exact same thing that you berate others about on the website. And then you moan, complain about, and insult real estate people to push the blame on someone else.
I thought I was one of you, but it is obvious that you are self centered money grabbing people. Shame on you - just as much as should be heaped on those bad real estate agents.
if i'm wrong tell me so, but take a fresh look at the posts to this topic, read between the lines and you will see the truth. What are we - profiteering investors in real estate, or a group looking for a fundamental change in real estate around the world?
no we were just smart enough to see how the system was getting gamed and saw the HOMES that we lived in turning into Dot-Bomb stocks.
What were we supposed to do? Sit around and take it in the shorts because of what the Banks, Realtors, Appraisers and specuvestors were doing?
Should we have said to the person who bought our homes...
"Dont buy now because you'll end up getting screwed"?
I would have gladly kept my home if the RE market wasn't turned into a "Flippers Game"
And if the people that didn't see it coming got burned...well...then maybe they should have
A. Gotten a better education
B. Paid attention during their economics classes
C. Not taken what the media was saying at face value
D. Watched less stupid T.V.
E. NOT Gone on credit fuelled spending sprees at the Mall
F. Learned to cook rather than eating out all the time
G. Paid attention to what's going on in the world with regards to the credit bubble.
H. NOT bought EXTRA homes/condos as "investments"
don't be pissed just because we
A. weren't stupid
B. saw this thing coming from a mile away
C. chose to "get off the dance floor" before the ceiling caved in.
D. looked at homes as HOMES and not ATM's
E. found HousingPanic and talk about the whole mess with some degree of financial security.
Hell yes I'm going to bounce out of a bubble. It's like calling the people who sold their Pets.com stock at the top "vultures" just because they didn't want to lose all their money.
- June 24, 2007 9:44 PM
>>>if i'm wrong tell me so<<<
you are wrong........
- June 24, 2007 10:59 PM
Suzanne Sommers and her thighmaster
- June 25, 2007 12:18 AM
- Bill said...
I to rent from the bank
- June 25, 2007 1:07 AM
- citykitty said...
I purchased a home in the far exurbs of Sacramento in 2002 (it was all I could afford) and sold in 2006 when a) gas prices went nuts; b) I realized that, at the least, housing was not going to appreciate any higher; c) I had enough of fixing up my fixer-upper and d) realized that I am, as my chosen name states, a "City Kitty."
I did not clear the huge amounts that some others in this blog did due to the slowing market and all the fixing up. But I was not upside down like people trying to sell now, thank god.
Now I rent in central Sacramento, within walking/biking distance to work. My apartment is a large unit in a fourplex and I love it. I use my car once a week for errands and keep it in the garage the rest of the time. A couple of weeks ago my apartment needed a small repair and I just called the landlord (happy sigh).
I would like to buy in my current neighborhood IF prices come down far enough and IF it makes sense with my income. I am sure that prices will come down but not sure that they will come down enough. Sacramento is one of the worst areas in the US for home affordability.
- June 25, 2007 2:09 AM
We sold our Alameda home in late 04', moved to Reno and rented a lovely 2 bedroom 2 1/2 bath single family home behind the Lakeridge golf course for $1,100 for a total of two years. Our landlord loved us, and didnt raise the rent for the two years we lived there.
Now, we just moved back to Alameda, Ca and found a very nice, huge single level L-shaped condo with 2/2 with a huge private patio and spacious two car garage. Originally, the rent was $1850 but when we signed the lease, they dropped it to $1800 a month. No yardwork, or HOA payments, plus we get to use the well-maintained olympic size pool and tennis courts and we received 5 passes to include friends or family
We also have ample street parking afew steps away, and a shopping center within a two blocks.
We love renting right now. All our friends (all of whom own homes) are asking when we are going to buy a house, and we just tell them in a year or two. We're in no hurry to buy!
- June 25, 2007 4:15 AM
i rent from the bank, 2500 sq ft, nice neighborhood, humongus lot no nosey neighbors (except her) i am painting the trim on the outside of my banks house and fixing up the back yard and planning on painting the kitchen new tile in the entry all for the bank, i bought in last bust in 1993 payments 1300 a mo tax and license cheaper than an apartment. i live in the SF bay area (california for those who don't know) no refi's thank god and when folks tried to talk me into an adjustable rate 2 years ago i told them no i want to know what my payments are going to be every month. they got mad at me.
i towed the line remembered creative finacing of the late 80 and thought this negative amoritization was just some more of the same stuff and I was right the housing god smiled on me.
My friend is a refi junkie, she bought her house for maybe 90k years ago, now she owes 250,000 i think and she is planning on refi'ing again when her contract or what ever is up for a fixed rate. What can you say. You tried to tell em. They don't listen so why bother. She got a letter saying her loan was going up to 1800 if there is another rate increase and guess what she can't afford it she has kids, bills and a love of travel. Ha Ha Ha. Betcha she'll be home alot more often when the chickens come home to roost. Tried to tell her.
- June 25, 2007 4:37 AM
Keyser Soze said...
Anon 7:01 & Shakster,
I sold my townhouse, and everything I had in 2000 and bought 20% of a business...and went $400,000 in debt.
So, I didn't sell at the top!
Keyser My stance(s) in this is that it is OK to make a profit in housing.If one can sell at the top good for them,if one sold halfway there then good for them,if one made a small profit before the bubble then good for them.
I have lost most of my sympathy for FBs.They do no due dilligence.This is not to say that all FBs ended up in trouble because they didn't due any due dilligence,there were those that guessed wrong who had alot of knowledge.
I have relatives that can't let go of the so called holy grail that housing is depeicted as.Housing,like gold,the dow,and other investments will burn many people as they cycle through generations,only this time the public have been warned ahead of time.Some warnings were out ahead of the Dot Com crash,but this time we have fast information systems,more experience,and alot of smart people are joining in to warn the country.We didn't have this in the Gold bubble of the early eighties,the SnL crash,early 90s housing,or The Dot Coms.
I lost alot in silver ,and gold,and wheat,and put options on the 30yr bonds.I also learned to take little bites out of the pie because of the experience.Then I made it all back ,and a little more.
People don't listen to warnings in general.Mostly because they are happy ,and hopeful about their decisions,and any warnings sound like criticism to the inexperieced,thats what they sounded like to me.With experience comes attention to pitfalls along with an open mind to advice.
Of course even a good intentioned warning should be met with a grain of salt,and some due dilligence.
Lastly,I am a bonafied TIN Hat wearing Gold Bug with Rabbit Ears.
- June 25, 2007 6:41 AM
Nannu Nannu
- June 25, 2007 6:42 AM
"Shakster said...
Anonymous said...
I just realized - all of you on this site are the scumbags that you always complain about!"
I see your point. We sold in order to rent, and we do expect to re-enter the housing market when prices have dropped. We hope this price-drop is as easy as I can be, for people that haven't sold, need to sell, and everyone else. We are not looking to cause pain, and we are not hoping to profit from someone else's pain.
What we are doing is looking to preserve our money, and not let it get devalued, if possible. Profit on paper (equity) is not really profit until you put it in your pocket.
With so many people looking to use the equity I their homes to help with retirement, how could we just sit back and watch, when we expect values to go down significantly? This is not an 'us vs. them' kid of thing, although it has become that, with the MSM and the bloggers. This is an 'I want to protect my own stuff' kind of thing.
- June 25, 2007 7:26 AM
I rent a good sized one bedroom. Top floor with lots of wildlife and yard. $800 a month and I split that with my girl. I can do pretty much anything I want on my free time cause rent is so cheep. My other buddies jumped into the housing market in the fall of 2005.. they pay out $2,700 a month for just morg/tax
While I'm out having fun and getting away on the weekends.. they are mowing the lawn and wondering why their house is going down in value... i tried to warn them... i give it two years till i jump into the housing mess
- June 25, 2007 12:39 PM
I own (well, about 44% of my house at this point - the bank owns the rest) my home because it's less expensive than renting, fits my lifestyle better, and there really is nothing remotely comparable that ever comes up for rent in this area. I bought in a non-bubble area with the intent to stay in the home for 10 years, so lack of appreciation does not bother me.
With a large family, I need a larger home - those just don't come on the market for rent in this area. Also, I bought my home in Dec. 2004 for less than it cost to build it, so there is NO downside risk for me. I paid about $52.94 per square foot for a very nice, now five-year-old 7-BR/6-BA log home with high-end fixtures and appliances, assuming in the overall price of the home a $60,000 total land value for the 11 acres, and $25 per sq. ft. for the 3-car garage. Builders/log home dealers will tell you that this home cost at least $100-125 per square foot, turn-key, to build. This same home on a 90% smaller tract of land would have cost me about 5-10 times more in Colorado. Now, THAT's what I call a bubble zone.
If there was even a remote possibility that I could lose money on this home, or that I could find something big enough for my family to rent for the same monthly payment, I would not have bought this home; I'd be renting instead.
- June 25, 2007 2:30 PM
Homedebtor here...
Paid $223,000 in Dec 2005 for a 2880 sqft 4 Bed 2.5 Bath in a northern suburb of Jacksonville FL, 12 miles from Fernandina Beach. Currently owe $186,000. Peak price for my model with similar options in my subdivision was $269,000 (August 2006). The value is now somewhere in the $240,000 range. I'm a little concerned about the prices dropping but I know I'm not as screwed as some of my neighbors who bought after me at a higher price with 100% financing (already know of a few who are upside down). I have a fixed 30 year at 6%.
PITI - $1500 (easily affordable), probably about the same as renting a similar home.
- June 25, 2007 5:47 PM
"At the same time you are all hoping for a crash that will destroy peoples lives so that you can "invest" back in the market taking advantage of families out of house and home and make another quick buck.
Lady ( at least you sound like one)...since when was I put on this planet to look after the best interest of others? I do what is best for my family not yours you dumb azz! So what makes sense to a regular guy with 2 small kids sitting on over 300k equity? Watch it disapear at the rate of 10k a month OR cash it out, pay off all debt, pay off college for them, and still make out with 200k in ONE SWOOP. Those opps dont come around in life too often, if you are stupid to NOT see that then you deserve to get burned. Suck it good.
- June 25, 2007 8:39 PM
One problem that some of the renters here may not realize is that some of the "landlords" you are renting from are your partners whether you like it or not. If the landlord walks away and the bank forecloses on the property, you are in much the same situation as the homedebtors anyway. The bank certainly is not going to let you live in the property and keep paying rent blissfully. Hopefully you have a backup plan....or a smart landlord that is financially strong.....
- June 26, 2007 12:15 AM
Renting a 2700 sqare foot 5 bedroom 3 bath house mostly surrounded by empty foreclosed homes that aren't selling in Northern California. It's very "surreal" estate to use a bad pun and getting rather scary in my opinion. Where did all those families go? 3 years ago when they built this neighborhood, the people were fighting with each other to get in the sales office. Now nobody wants to touch these homes. Someone needs to go to prison for the fraud that was perpatrated on the previous "owners" here. IMHO.
- June 26, 2007 1:58 AM


text:
A collection of scholarly works about individual liberty and free markets. A project of Liberty Fund, Inc.
Ethical Writings of Cicero: De Officiis (On Moral Duties); De Senectute (On Old Age); De Amicitia (On Friendship), and Scipio's Dream, trans. Andrew P. Peabody (Boston: Little, Brown, and Co., 1887). 3 volumes in 1. https://oll.libertyfund.org/titles/540,
A collection of Cicero's writings which includes On Old Age, On Friendship, Officius, and Scipio's Dream.
The text is in the public domain.
This material is put online to further the educational goals of Liberty Fund, Inc. Unless otherwise stated in the Copyright Information section above, this material may be used freely for educational and academic purposes. It may not be used in any way for profit.

subset: commoncrawl


text:
Jacobs, bats never let up
Wearing a Buffalo uniform for the first time, first baseman Mike Jacobs homered and had three hits in an over-powering 10-3 victory over the Red Sox on Sunday afternoon at McCoy Stadium. Jesus Feliciano added a home run as the Bisons pounded out a season-high 19 hits.
The slugger quickly found a comfort level with his new teammates. He doubled home a run in the first inning and singled again in the second. In the sixth inning, Jacobs launched a mammoth home run to right field off of former Bisons' hurler, Chad Paronto. That blast, which came right after Feliciano's two-run homer, all but sealed the Herd's second straight win.
Six different players had multi-hit performances, including four hits from Feliciano. The Bisons' 2009 MVP scored three times and drove in three runs while raising his average to .368.
FULL RECAP: Read the game story
Mike Cervenak went 3-5 to extend his hit streak to 10 games. One of the hottest Bisons' bats, Ruben Tejada was the only batter in the lineup who failed to get a hit, ending a five-game hit streak.


text:
And it's extra good for you if you combine at least 2 of the key food groups.... in this case Dairy and Fruit.
So in reality the only "unhealthy" ingredient in this trifle are the brownies that I cut up and layered on the bottom of my dish?And topped with fresh strawberries that I mixed with a bit of Splenda and a little water.
And then added a ' kinda sorta I want to believe it's healthy' whipped cream that I made with heavy whipping cream ( 2 cups) and some powdered sugar ( 1 cup or to desired thickness) on top.
And to promote more good healthy eating, I added another layer on top and garnished with more strawberries.
Go ahead. Tell me that doesn't look healthy.......
I will make a believer out of you too!
PS- Tell me, do you have the same assumption about fruit?
Grateful for~
The ability to work out after I eat "healthy" desserts like this
Savvy Southern Style
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text:
A contradiction for cuts
The news is in, the cuts made and our local Council
Master Leader has mentioned the "tough choices" that need to be taken.
I won't go into details about the cuts, but the austerity levels this is bringing in. Okay by itself tough, but understandable. Except at the same time recovery is based on an increase in the number of jobs and people still spending money. So we're cutting back on everything while at the same wanting people to spend more?
Has anyone other than multi-millionaires actually examined this plan?


text:
IDP's Australian Education Fair 2013
IDP's Australian Education Fair 2013
The IDP Overseas Education India, a leading student placement service provider has organized education fairs in 11 cities for students aspiring to pursue education in Australia.
This fair will bring together prominent universities and educational institutes from Australia under one roof. The fair starts from Kolkata-29th January and ends in Coimbatore on Feb 13, 2013.
The major cities where the fair is held are Kolkata, Coimbatore, Chandigarh, New Delhi, Mumbai, Ahmedabad, Pune, Bangalore, Hyderabad, Chennai and Kochi.
Now get up to 4 years of post study work rights after completing your education in Australia
Fair Highlights
* Application fee waiver
* Interact directly with faculty and international representatives from 37 Australian institutions
* For spot admission*, please bring original and photocopies of your education certificates
* Scholarship for qualified students at venue*
* Priority processing for pre-registered student at the venue.
Get expert guidance on:
* University selection
* Course/Program selection
* Scholarships and fee waivers
* Admission process
* Application, Bank Loan and Visa processes
For more information visit : http://www.india.idp.com/


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Parents Apart - Massasoit Campus Canton 4/6 & 4/13 (Monday class) Class canceled
Monday April 6 from 6:45pm - 9:15pm
The Divorce Center (all classes) Room 402
Massasoit Community College
900 Randolph St
Canton Massachusetts
Parents Apart is a collaborative program of Family Services of
Central MA and the U. Mass. Medical Center, Dept. of Psychiatry in Worcester. It is a court-mandated course.
It is a 2 1/2-hour, 2-session course usually held one week apart.
This seminar is specifically designed to:
- Assist parents in understanding their own divorce experience
- Provide an overview of children's reactions to divorce
- Educate parents as to the developmental needs of children
- Train parents to help children cope with divorce and minimize their trauma
The group leaders are highly regarded mental health professionals who are specifically trained to present this material. All of the trainers have devoted a great deal of their private practice to issues dealing with families of divorce. Also, many professionals in this program are members of The Divorce Center and have presented many times at our seminars.
This course consists of two sessions totaling five hours.


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Adjunct Instructor
- Employer
- University of Sint Eustatius
- Location
- Denton, TX
- Posted
- Apr 17, 2019
- Position Type
- Tenured & Tenure-Track
- Institution Type
- Four-Year Institution
System Identification Number:
Posting Origination:
Women's Studies (123000)
College of Liberal Arts & Social Sciences http://class.unt.edu
Adjunct Instructor
Job Summary/Basic Function:
The Women's & Gender Studies program seeks qualified individuals for its Adjunct Instructor Pool and welcomes applicants at any time. This posting is for the Fall 2018, Spring 2019, and Summer 2019 semesters. The specific courses involved may vary from semester to semester and openings to teach these courses develop on a periodic basis, depending on department teaching needs.
The anticipated need may include but are not limited to:
-Undergraduate courses: WGST 2100 - Introduction to Women's & Gender Studies; WGST 3500 - Feminist Foundations;
and WGST 4100 - Feminist Theory.
-Graduate courses: WGST 5100 - Feminist Theory; WGST 5800 Gender & Human Trafficking.
The University of North Texas System is firmly committed to equal opportunity and does not permit - and takes actions to prevent - discrimination, harassment (including sexual violence), and retaliation on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, age, disability, family status, genetic information, citizenship or veteran status in its application and admission processes, educational programs and activities, facilities, and employment practices. The University of North Texas System immediately investigates and takes remedial action when appropriate.
The University of North Texas System also takes actions to prevent retaliation against individuals who oppose a discriminatory practice, file a charge, or testify, assist or participate in an investigative proceeding or hearing.
Minimum Qualifications:
For undergraduate courses: Master's degree in Women's & Gender Studies; OR Master's in one of the disciplines included in the interdisciplinary area; OR Minimum of 18 graduate credit hours directly related to the assigned course(s).
For graduate courses: ABD or Ph.D. in Women's & Gender Studies; OR ABD or Ph.D. in one of the disciplines included in the interdisciplinary area with certificates or substantial scholarship in Women's & Gender Studies topics.
Preferred Qualifications:
Primary consideration will be given to applicants who are ABD or have a Ph.D. in women's and/or gender studies or another related interdisciplinary-based field. Preference will be given to candidates with formal graduate background and teaching experience in women's, feminist, gender, and/or sexuality studies and with demonstrated relevant scholarly productivity and research/teaching competencies.
Position Type:
Faculty Equivalent
Tenure Status:
Non-Tenure Track
Appointment Basis:
No Response
Pay Frequency:
Non-Tenured Appointment Term:
No Response
Closing Date:
Open Until Search Closed
Required Applicant Documents:
Curriculum Vita
Cover Letter
Special Instructions to Applicants:
Please include a sample of student evaluations (if applicable).


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Live Chat
Contact us
Sign in to MyChart
Having asthma does not necessarily mean having a complicated pregnancy. With proper management of asthma and appropriate medical care during the pregnancy, most women who have asthma can experience healthy pregnancies.
Asthma is 1 of the most common diseases that can complicate a pregnancy. In some cases, a diagnosis of asthma is not made until a woman becomes pregnant. Asthma affects a woman during pregnancy in a variety of ways, including:
Over one-third of women experience no change in their symptoms of asthma.
Over one-third of pregnant women experience more severe symptoms of asthma.
Less than one-third of pregnant women experience improved symptoms of asthma.
Symptoms may become more severe as weight increases with pregnancy.
Treating asthma properly during pregnancy is important. Uncontrolled asthma can lead to decreased oxygen intake for the mother, which, in turn, affects the fetus.
Uncontrolled asthma can lead to any of the complications listed below.
Asthma, when not controlled, can put undue stress on the mother as well as on the fetus. Lack of oxygen will not only deprive the mother, but also the fetus. Other complications from uncontrolled asthma for the mother include:
Preeclampsia (also known as toxemia in pregnancy). A disorder of pregnancy characterized by increased blood pressure, water retention, and protein in the urine.
Gestational hypertension. This is high blood pressure during pregnancy
Hyperemesis gravidarum. A pregnancy disorder characterized by long-term vomiting, weight loss, and fluid and electrolyte imbalances.
Vaginal hemorrhage. This is bleeding through the vagina
Lack of oxygen to the fetus from the mother can lead to many health problems in the fetus, including:
Perinatal mortality
Intrauterine growth retardation. Poor fetal growth in the womb, causing the fetus to be smaller than normal for its gestational age.
Preterm birth
Low birthweight
Neonatal hypoxia. Inadequate oxygen for the fetus
Most asthma medicines are not harmful to the fetus or to the nursing baby. In fact, uncontrolled asthma may actually put the mother and fetus at far greater risk than the medicine used to control asthma. Always talk with your healthcare provider for a diagnosis and to develop a specific asthma treatment plan tailored to your symptoms.
The American Congress of Obstetricians and Gynecologists recommends a pregnant woman take the following steps to reduce the risk of having an asthma attack during her pregnancy:
Avoid asthma triggers, including tobacco smoke and other irritants.
Continue asthma medicines throughout the pregnancy, labor, and delivery, as advised by your healthcare provider.
Exercise with moderation (use medicine properly if you have exercise-induced asthma and consult your healthcare provider before beginning an exercise program).
Make sure to get a flu shot, if you will be in your second or third trimester of pregnancy during the influenza (fall-winter) season.
Even with a proper asthma management plan in place, a pregnant woman should be aware of certain warning signs that may indicate an asthma attack, such as:
Current medicine does not provide rapid improvement of symptoms.
Improvement from medicines does not continue as long as it had before.
Breathing becomes more difficult.
Fetal kick count decreases. This may indicate fetal distress.
Always talk with your healthcare provider about what asthma attack warning signs to look for and when to seek emergency medical treatment.
Vidant Health can connect you to health care professionals to help you understand your condition and guide you through the treatment process. Let's chat.


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(visited by Henrik Sunden)
20-Jul-2008 -- Revisited my first confluence, this time with a precision Trimble GNSS R8 GPS instrument, capable of defining the point within 5 cm (or even less in unobstructed areas).
The point was found to be about 1.2 m east of the latest attempt with an autonomous hand-held GPS. The old stick was still there and can be seen in the view-west picture and the overview picture.
Calculations of the position error gave the result that I was 6.6 cm from the exact confluence position, measured as an average of 10 samples of 3-epoch determinations (5.0 cm south and 4.2 cm east of the desired point). The read-out position from the instrument display varies a little for each sample. The instrument's own estimation of the measurement accuracy is given in the display as 0.013 m in position and 0.029 m in elevation, figures that seem to be taken as a standard deviation for the displayed position.
In the GPS photo the displayed latitude 65 degrees 00 ' 00.00340" N can be calculated to be 1852 * 0.00340 / 60 m = 0.105 m from 65 degrees N exactly. Similarly the longitude is 1852 * cos 65 *0.00490 / 60 m = 0.064 m from 20 degrees E exactly. The shown sample is taken a few minutes after the 10-sample average.
The displayed elevation is the height above the WGS84 ellipsoid. The RH70 elevation, which is corrected for the height of the geoid, is 232.59 m.
Eight days later I was back and measured the gravity at the confluence. The purpose of this visit was to establish a reference gravity station in order to incorporate an old survey into the standard ECS62 gravity bouguer anomaly data. The gravity instrument I used was an 35 years old Worden, which had been restored to full function because the more modern Scintrex Autograv CG-3 (18 years old) I used until last year was out of order permanently. The RH70 elevation is used in the bouguer anomaly calculation and must be known with an accuracy of a few centimeters to give the desired accuracy in bouguer anomaly. The bouguer anomaly is used to determine if dense bodies (preferably orebodies) may exist in the survey area.


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Systems Engineer,
| 02/05 - Atlanta 07/28 - Tampa 08/13 - Charlotte 08/20 - Philadelphia 08/27 - Dallas09/01 - Chicago 09/10 - Denver 09/23 - DC Metro10/01 - Houston
| 10/09 - Seattle 10/15 - Scottsdale 10/20 - Nashville 10/30 - Columbus 11/05 - Boston 11/10 - Silicon Valley 11/20 - New York 12/10 - Los Angeles12/16 - Toronto
The Inaugural Nashville Cyber Security Summit goes virtual as it connects C-Suite & Senior Executives responsible for protecting their companies' critical infrastructures with innovative solution providers and renowned information security experts. Admission is just $95 giving you access to all Keynote Discussions, Interactive Panels and Product Demonstrations.
With full day attendance, you will earn 6 CPE/CEU Credits!
Tuesday, October 20, 2020
Our conferences have been rated as one of The Top 50 Must Attend Conferences for the last 3 years. Learn from renowned experts from around the globe on how to protect & defend your business from cyber attacks during interactive Panels & Fast Track Discussions.2
Evaluate Demonstrations
Evaluate & See demonstrations from dozens of cutting-edge solution providers that can best protect your enterprise from the latest threats.3
Comfort & Safety
Many senior executives simply don't have the time to travel for up to a week to the large cyber trade shows. Our mission is to bring the Cyber Summit experience to the executives from the comfort and safety of your own home. Our events are always for just one day only.4
Engage, Network, Socialize & Share
Engage, Network, Socialize & Share with hundreds of fellow Powerful Business Leaders, C-Suite Executives & Entrepreneurs.
CEUs / CPE Credits
By attending a full day at the Cyber Security Summit, you will receive a certificate granting you 6 Continuing Education Units or Continuing Professional Education Credits. To earn these credits you must participate for the entire summit & confirm your attendance at the end of the day.6
By investing one day at the summit, you may save your company millions of dollars, avoid stock devaluation and potential litigation.7
Each Cyber Security Summit is "By Invitation Only" and all attendees are pre-screened & approved in advance. Attendance is limited to approx. 300 Sr. Level Executives to maintain an intimate, non-trade show like environment.8
Reality Check
Did Under Armour, Facebook, Equifax, Yahoo, Blue Cross / Blue Shield, Sony, Target and thousands of other businesses that were hacked do everything within their power to avoid being victimized? Is your company next? Learn the latest defensive measures at the Cyber Security Summit from your peers and from thought leaders in the industry.
For any questions, please contact [email protected] or call 212.655.4505 ext. 225
To sponsor, speak or exhibit at an upcoming summit, contact [email protected] or call 212.655.4505 ext. 223
This educational and informational forum will focus on educating attendees on how to best protect highly vulnerable business applications and critical infrastructure. Attendees will have the opportunity to meet the nation's leading solution providers and discover the latest products and services for enterprise cyber defense.
Meet & Engage with fellow Business Leaders, Cyber Experts, Government Officials & Thought Leaders.
By meeting with each Solution Provider, you will be automatically entered to win one of ten $100 Amazon gift cards!
Dan Fein
Director of Email Security Products
Today, 94% of cyber-threats still originate in the inbox. 'Impersonation attacks' are on the rise, as artificial intelligence is increasingly being used to automatically generate spear-phishing emails, or 'digital fakes', that expertly mimic the writing style of trusted contacts and colleagues. Humans can no longer distinguish real from fake on their own – businesses are increasingly turning to AI to distinguish friend from foe and fight back with autonomous response. In an era when thousands of documents can be encrypted in minutes, 'immune system' technology takes action in seconds – stopping cyber-threats before damage is done. Find out how in this session.
Meet & Engage with fellow Business Leaders, Cyber Experts, Government Officials & Thought Leaders.
By meeting with each Solution Provider, you will be automatically entered to win one of ten $100 Amazon gift cards!
Gina Scinta
Senior Solutions Architect
We all know that the operating paradigm in which business is conducted changes on almost a daily basis, yet the way we defend the sensitive data within our business has remained static for nearly 3 decades. Perimeter security is not sufficient, and that's why we have embraced the concept of Securing the Breach by protecting the data at rest, in transit and in motion utilizing a three step approach of strong centralized key management, encrypting the data and controlling access thru identity access management.
This presentation will address our three step approach to data protection and how it can enable organizations to meet compliance mandates, mitigate risk and secure their infrastructure from on premise to the cloud.
Gain insight on how to prepare for the breach and protect what truly matters—your data.
Kristin Judge
Cybercrime Support Network
J. Wolfgang Goerlich
Advisory CISO
Duo Security, now part of Cisco
Nathan Wenzler
Chief Security Strategist
Tenable, Inc.
Security teams today are being overwhelmed by the massive amounts of data collected by their various protection tools and in most cases, these security teams do not have the budget to hire external Security Operations Center (SOC) analysts. As such, companies are looking to implement an automated response system by using SOAR (Security Orchestration, Automation and Response) tools in an effort to relieve some of the burden on their already understaffed security teams and increase efficiency.
In a recent survey of more than 1,400 IT security professionals, 79% reported that their organization has existing automation tools and platforms in place (29%) or are planning to implement them within the next six months to three years (50%). However, this is not a simple solution for many companies as the successful implementation of automation requires a well-trained and educated team. In fact, 56% of organizations from this same survey indicated that they don't currently have the in-house expertise required to effectively use these tools. This presents a problem as the shortage of gap between workforce demands and skilled cyber security professionals in the field is larger than ever and steadily increasing. According to another report, it is projected that by 2021, 3.5 million cyber security jobs will be unfilled; that's a 350% increase in open positions from 2013 to 2021.
This panel will provide an understanding on SOAR tools, the importance on training your security team to understand and leverage these tools to more rapidly detect and respond to threats, and ways to attract and retain talent.
Meet & Engage with fellow Business Leaders, Cyber Experts, Government Officials & Thought Leaders.
By meeting with each Solution Provider, you will be automatically entered to win one of ten $100 Amazon gift cards!
Meet & Engage with fellow Business Leaders, Cyber Experts, Government Officials & Thought Leaders.
By meeting with each Solution Provider, you will be automatically entered to win one of ten $100 Amazon gift cards!
According to a recent survey, last year 69% of organizations suffered a data breach caused by an Insider Threat, even with a data loss prevention (DLP) solution in place. While malicious users are a legitimate threat to an organization's security, another study found that 64% of incidents were a result of human error made by an employee. In fact, 78% of Chief Security Officers confessed that even they have clicked on suspicious links.
These statistics demonstrate that having a DLP solution in place with a centralized IT Security team is not sufficient in protecting company assets. Organizations must also address the human element and provide effective ongoing training and education to all employees within the organization.
This panel will discuss the importance of understanding and detecting the various types of Insider Threats that put your organization at risk, as well as provide insight on how to prepare a prevention and defense strategy against an insider breach.
Meet & Engage with fellow Business Leaders, Cyber Experts, Government Officials & Thought Leaders.
By meeting with each Solution Provider, you will be automatically entered to win one of ten $100 Amazon gift cards!
Discuss and share the latest in cyber protection with our renowned security experts during interactive Panels & Round Table discussions. View our Security Content Sharing portal for past Cyber Security Summit solutions to protect your business from cyber attacks.
Cybersecurity Advisor Cybersecurity and Infrastructure Security Agency,
U.S. Department of Homeland Security
The Cyber Security Summit connects cutting-edge solution providers with Sr. Executives to analyze & diagnose cybersecurity flaws through interactive panels & roundtable discussions. View the latest presentations given at the Cyber Security Summit through our Security Content Sharing portal.
The Cyber Security Summit is proud to be in partnership with some of the industry's leading organizations in technology, information security, and business leadership.
If your media outlet or association is interested in becoming a strategic industry partner with The Cyber Security Summit, please contact Megan Hutton at [email protected] or call at 212.655.4505 ext 241.


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Bee charm made in 18ct gold vermeil.
This listing is for the charm only - if you want a chain add separately
Ideal for adding to one of our lockets or to an existing necklace
This elegant little sculpture makes a simple yet stylish necklace. Charm has a good weight so it hangs well.
Gold vermeil is 18 carat gold plated onto a sterling silver base. It is a surface treatment and will fade over time. Be careful with sun cream or perfumes, take off before swimming or bathing. Do not use metal cleaners on vermeil as you will remove the plate.
Due to the current pandemic we are finding some orders are taking longer to arrive than usual. We aim to process orders and dispatch within 1-2 working days, Monday to Friday. Orders are sent Royal Mail first class signed for, Tracked 24, or Special Delivery or by UPS courier depending on the item. There is no charge for standard delivery in the UK. Delivery time would normally be 1-2 days after dispatch. We are finding Royal Mail's service is a bit patchy at the moment and it can take considerably longer for their 24 hours sevice to be delivered. Whilst we send most of our items tracked and signed for, the delivery services are no longer taking personal signatures for items. However they are signing on behalf of customers once it has been received. If you have a deadline please let us know and we will try to ensure you item is there in time. You can choose an express delivery option which goes Royal Mail Guaranteed by 1pm next day - the cut off for same day dispatch is 12.00. Again Royal Mail are no longer guaranteeing by 1pm delivery and they are not offering a Saturday delivery service. Thank you for your understanding at this difficult time. If you wish to phone and discuss your options, we will be happy to advise.


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Carpenter's : Christmas Portrait
QRS Cat #662170
It Came Upon A Midnight Clear
Overture (An Old Fashioned Christmas)
An Old Fashioned Christmas
Christmas Waltz
Sleigh Ride
It's Christmas Time/Sleep Well, Little Children
Have Yourself A Merry Little Christmas
Santa Claus Is Comin' To Town
Christmas Song (Chestnuts Roasting On An Open Fire
Carol Of The Bells
Merry Christmas Darling
Christ Is Born
O Holy Night
Home For The Holidays
Here Comes Santa Claus/Frosty The Snowman/Rudolph
Winter Wonderland/Silver Bells/White Christmas
Ave Maria
Overture Miniature/Dance Of The Sugar Plum Fairies
Little Altar Boy
I'll Be Home For Christmas
Silent Night
What You Receive: The original audio CD plus a 3-digit access code for this CD. This will access and synchronize the corresponding SyncAlong piano files for this CD, which are contained on the CompactFlash card shipped FREE to first-time SyncAlong CD purchasers. Free Updates to these Piano Files will be issued regularly via this website.
Piano Transcribed & Played by: Michael T. Jones


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Democratic Values Agenda
House and Senate Dems unveiled our Democratic Values Agenda for the 2018 legislative session.
In broad-brush strokes, our agenda today represents weeks of conversations with House Democratic Caucus members and Senate Democrats. The principles we are talking about today – creating economic opportunities, access to higher education, quality health care and preserving democracy – will guide us through the 2018 session. We are committed to keeping Connecticut a great place to live, work and raise a family.
Supporting Middle-Class Families and Creating Economic Opportunities for Everyone
Earned Family Medical Leave
Working families should not have to face the prospect of economic ruin when presented with serious family needs such as caring for a newborn, a spouse, or their parents. The inability of employees to take paid time off to care for loved ones or themselves can leave them with no choice but to abandon family members in their time of need, or to neglect their own health.
Because it is so necessary and beneficial to our modern workforce, Democrats will work with employees and employers to fight for sensible earned family medical leave legislation.
Pay Equity
It is well past time that Connecticut ensures that women are paid the wages they deserve. Connecticut women working full time are paid 83 cents for every dollar paid to men working full time. The pay gap is even greater for African-American and Latina women.
Democrats in the General Assembly believe that it is time to eliminate the wage gap and ensure pay equity for women and will not compromise on this vital issue.
A Livable Wage
For parents trying to make ends meet, for single moms working two or three jobs just to provide basic necessities for their children, there may be no more important, pressing issue than the stability of knowing they will have a full day of work and earning a fair, adequate and 'livable' wage. We simply cannot turn our backs on Connecticut residents earning low wages. We have seen large corporations like Aetna, Cigna, Wells Fargo and Target raise minimum wages company-wide but the rest of Connecticut needs to catch up. We must do all we reasonably can to help workers support themselves and their families.
Because we value the hard work, time and labor of Connecticut's residents, Democrats in the General Assembly will fight for a livable wage.
Overhaul of Our Workforce Pipeline
With companies such as Pratt & Whitney, Electric Boat and Sikorsky planning to add thousands of new jobs in the coming years, it is critical we have an efficient, effective workforce pipeline to meet the growing needs of Connecticut employers. Democrats will assess all of our workforce development programs to see what works, eliminate duplication, and focus on Connecticut's growth industries such as advanced manufacturing.
Our Roads, Bridges, Rail and Buses
When Connecticut invests in our roads, bridges, rail and buses, it is investing in the economy and job growth.
Connecticut is in an economic competition against New York, New Jersey and Massachusetts and in order to win we need a modern, reliable and safe transportation system. Our transportation infrastructure has undergone great improvements recently, but there is more work to be done. We need to not only rebuild what we have but envision transportation for the next generation that focuses on transit-oriented development to attract millennials to our cities.
Rebuilding our Infrastructure
We need to rebuild our transportation network so people can get to work and businesses can grow. In order to meet our transportation infrastructure needs and have out-of-state drivers help pay for our roads, the House and Senate leaders have committed to holding a vote to implement an electronic tolling system.
Opening Access to Education
Tuition-Free Community College
The promise of a higher education shouldn't be just a dream. Higher education should be available to all hardworking Connecticut students. College graduates will earn on average more than $1 million more in their lifetime than adults without a college degree.
However, it has become increasingly harder for working- and middle-class families to be able to afford to send their kids to college.
That's why Democrats in the Connecticut General Assembly are proposing to make tuition at our community colleges free for Connecticut residents. Our workforce is the envy of the nation. There are good-paying jobs available. Pratt & Whitney, Electric Boat and Sikorsky are preparing to fill a generation worth of jobs. Let's keep our kids here in Connecticut.
Investing in Connecticut's Technical High Schools
Democrats will propose an unprecedented investment in our technical high schools, apprenticeship programs, and community colleges. Democrats are proposing a partnership with the business community and manufacturers, legislation to create curriculum and open a to-be-determined number of new technical high schools to overhaul our workforce pipeline and ensure Connecticut students have the skills they need meet Connecticut's growing workforce needs.
Protecting Women's Health Care
Republicans have attacked access to women's health care. Democrats in the General Assembly will introduce legislation aimed at protecting critical health services from federal cuts and shedding light on organizations that provide medically inaccurate information.
10 Essential Benefits
Democrats will introduce a bill ensuring that health insurance plans offered in the State of Connecticut cover the "10 essential benefits" protected by the ACA. These benefits include outpatient care as well as hospital care and trips to the emergency room, prenatal care and ongoing care for the baby throughout its childhood, prescription medicine, lab tests, as well as mental health and substance use disorder services.
Women's Preventative Services
This session, Democrats will allow Connecticut to join a growing list of states that protect women's access to contraception and other preventative health services with no out-of-pocket cost. More than 746,000 women in Connecticut have gained access to birth control with no out-of-pocket costs under the ACA. There have been multiple attempts at the federal level to roll back this benefit.
Building on the ACA's Preventative Coverage
Legislation to be introduced this year will expand on the progress in reproductive health made by the ACA by expanding coverage for contraception. This new legislation will expand coverage for contraception to include 12-month prescription coverage and emergency contraception with no co-pay.
Shedding Light on "Crisis Pregnancy Centers"
Crisis pregnancy centers are organizations that attempt to look like legitimate family planning clinics, while actually providing medically inaccurate, anti-choice information. They target urban neighborhoods and other medically underserved communities where people do not have access to a regular gynecologist. Democrats will introduce legislation to ensure that people seeking health care advice about a pregnancy are not lied to or shamed by staff at "crisis pregnancy centers" seeking to further a political agenda.
Keeping Connecticut Residents Healthy & Protecting Our Hospitals
Democrats stand united in the belief that health care is a right not a privilege. When a person is sick they should be able to see a doctor and get the prescription drugs they need. Democrats in the General Assembly will propose legislation to reduce prescription drug costs, guarantee access to health care, and get our premiums under control.
A Strong and Affordable Health Care System
The health care system should work for patients. When you are sick, you should be able to see a doctor and get the prescription drugs you need. Democrats will propose legislation to reduce prescription drug costs.
Supporting our Community Hospitals
Our community hospitals are vital health care providers, major employers and bioscience incubators. Democrats in the House and Senate will work to support and grow our hospitals and ensure that all residents have access to quality medical care.
Protecting our Natural Resources
With concern growing regarding Connecticut's water, air and other natural resources, Democrats in the General Assembly will call for a full and public vetting of issues surrounding Connecticut's natural resources to ensure that they are properly protected and preserved for the people – not for businesses.
Addressing the Opioid Epidemic
Despite the expansion of access to treatment and other substantial policy achievements, the opioid epidemic continues to grip Connecticut. More than 1,000 Connecticut residents died from opioid-related overdoses in 2017 – more than from car accidents, homicides and suicides combined. Democrats pledge to continue to work with medical professionals and experts to preserve the gains already made and further expand access to treatment.
Preserving Our Democracy
National Popular Vote
Democrats in the General Assembly reject the notion that the citizens of the United States, in the year 2018, cannot be trusted to directly elect their president. Instead, Democrats believe in the direct election of the president by popular vote—that the winner of the presidency should be the candidate who gets the most votes in the election. Once again, Democratic members will introduce legislation allowing Connecticut to join the National Popular Vote Interstate Compact.
Equal Access to the Ballot Box
With voting rights under attack across the nation, now more than ever Connecticut needs to protect everyone's right to participate in our democracy. College campuses are where students get their housing, work, education, and meals – it is time that they also serve as a place where they can cast a ballot.
Increasing Participation Through Early Voting
Democrats believe increased voter participation is good for our democracy, and an early voting process leading up to Election Day would be an important step toward this goal. Democrats will propose a constitutional resolution on early voting in an effort toward having it appear as a question on the statewide ballot.


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Is there a simple way to update Xubuntu 7.04 (with Xfce 4.4.0) to 4.4.1, i. e. via Synaptic, apt-get or dpkg?
(I guess this means, is there is a .deb package of Xfce 4.4.1 available?) :?
On a side note, is it even recommendable for a fairly inept user (whom I am asking this question for, he is too shy to do it himself, bless his yellow little heart) to update to 4.4.1 already, or is it better to wait a while?
Thanks in advance, Poindexter.
The 4.4.1 packages are already in the Ubuntu pool (we even did a quick release for the next Xubuntu release), so I think they will be available soon.
(Thumbs up!)
I come here to ask the same question... mmm... no update in synaptic. We must find another solution. :-|
I guess we'll just have to wait it out ...
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In order to save Nora from her injury, Miles leads the gang on a detour to visit an old acquaintance of his for medical support, but they quickly find themselves in unfriendly territory. Aaron recalls his meek history as he looks back at his pre/post-blackout life, and Neville delivers Danny to Monroe.
Image source: themoviedb.org


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We may be social distancing, but even at 6 feet away, your smile can still say so much to those around you.
Resources and tips for members, providers and communities.
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